Senior Risk Analyst: Credit & Fraud Underwriting Lead (Hybrid)

NOVICAP Ltd.; Barcelona; Hybrid; EUR 50,000 - 70,000; Full time

Benefits offered by this job

Hybrid work model

Medical insurance

Language classes (English/Spanish)

Gym membership (Urban Sports Club)

Company events

Library with books

Free fruit, coffee and tea

Job summary

Novicap is seeking a Senior Risk Analyst to own credit underwriting and monitoring across customers in Spain. You will execute end-to-end risk analysis, fraud checks, and risk reporting to support underwriting decisions.

Join a fast-growing, international team with a hybrid work model in Barcelona and Madrid, and contribute to Novicap's growth through data-driven risk management and collaboration with Finance, Operations, and Commercial teams.

Qualifications

• Bachelor's degree in Economics, Business, or Finance.
• Minimum 5 years of experience in credit underwriting/analysis in the financial sector.
• Proficiency in financial statement analysis and accounting principles.
• Understanding of Working Capital products (Factoring, Confirming).
• Ability to synthesize complex financial data into a clear risk assessment.

Responsibilities

• Execute end-to-end risk analysis for new and existing clients using the Novicap Platform and external tools.
• Perform fraud checks and operational viability filters before deep financial analysis.
• Assess and value third-party credit assignments using Novicap’s collateral methodology.
• Approve transactions within attribution matrices or prepare risk reports for escalation.
• Manage daily alerts via Early Warning System and resolve account blocks in coordination with Operations.
• Ensure all debtors and suppliers have up-to-date Risk Reports according to frequency.
• Coordinate with Collections, Operations, and Commercial teams and document lessons learned.

Skills

Credit underwriting

Risk analysis

Fraud checks

Financial statement analysis

Decision making

Education

Bachelor's degree in Economics/Business/Finance

Tools

Novicap Platform

Dashboards

Job description

Novicap is seeking a Senior Risk Analyst to own credit underwriting and monitoring across customers in Spain. You will execute end-to-end risk analysis, fraud checks, and risk reporting to support underwriting decisions.

Join a fast-growing, international team with a hybrid work model in Barcelona and Madrid, and contribute to Novicap's growth through data-driven risk management and collaboration with Finance, Operations, and Commercial teams.